Vehicle Loans
Drive it home with a local lender.
Vehicle Loans
Drive it home with a local lender.
Drive up the coast. Drive down the cost.
When you’ve found your perfect vehicle, you should pair it with the perfect auto loan. Whether you are purchasing new and used cars, trucks, SUVs and motorcycles¹, SESLOC Credit Union can help you get the keys faster through our auto loan approval process.
As one of the more affordable lenders around with more potential rate discounts for eligible borrowers, a SESLOC auto loan makes sense for your budget, helping you get down the road for less.
TODAY’S RATE
as low as
5.74%
APR*¹
for a new vehicle up to a 60-month loan term.
You may be eligible for rate discounts!
See details below.
Members Save More
when they finance their auto with SESLOC.
Getting your auto loan from SESLOC gives you access to our best rates because we believe in the power of people helping people. Instead of becoming a nameless, faceless file in a bank’s loan portfolio, your payments stay in our community to the benefit of your fellow members. Some of the advantages you can expect from a SESLOC auto loan include:
Quick and Easy Application
All we need is a little information about you and your car to get started, including how much you currently owe.
Fast Approvals
Get your decision in as little as one day, complete with your rate and loan terms.
Competitive Rates, No Fees
One of the most affordable lenders in central and coastal California, with no application or processing fee to refinance an auto loan.
ITINs Accepted
You can apply with an ITIN to start your loan and become a member.
Terms up to 84 months2
Customize your loan based on your needs – pay it down quickly with a 36-month loan, or extended it out to 84 months for the lowest payment.
No Payments for 90 Days
Take a break from car payments with the option of deferring your loan payments for the first 90 days after funding.3
Auto Loan Specials
Even more ways to save
- Earn a 0.25% rate reduction when you finance 80% or less of MSRP or high Blue Book (plus tax and license).4
- Get a discounted rate up to 0.38% with our Level Up Member Benefits program.5
- Earn a 0.25% rate reduction by enrolling in our HomeFREE Discount program, which simply requires scheduling automatic recurring transfers for auto loan payments from a HomeFREE Checking account.6
Get AutoSMART With Your Car Search
Still looking for your next ride? SESLOC members can start shopping now, at the AutoSMART website!
Get access to a toolkit which lets you search for the right car from a local dealer and apply for a SESLOC auto loan online before you go. It’s really that easy!
We also offer:
Recreational Vehicle Loans7
Available for travel trailers, motor homes, boats, personal watercraft, dirt bikes/trailers, flatbed trailers and horse trailers. Terms up to 240 months based on amount financed. New: Up to 100% financing of MSRP. Used: Up to 100% financing of high NADA Guide value.
Vehicle Equity Loan
Is There Cash In Your Car? If your vehicle is 7 years or newer and you’ve been paying down your loan or you own your vehicle free and clear, you may have equity in your vehicle and qualify to refinance and take cash out. Use our cash-out option to pay off other higher rate debt, such as a credit card. To learn more, book an appointment with a Member Service Representative at your nearest branch today.
Were you just funded for a new auto loan?
Congrats! You may need to submit your vehicle’s insurance information. Get started here »
Take the highway to a low rate.
Or call us at (805) 543-1816 or visit any branch to get started.
Building Your Community With Every Auto Loan
When you choose to get your auto loan with SESLOC, your money directly benefits those who live, work, or worship in San Luis Obispo, Santa Barbara, Ventura, Monterey, Santa Cruz, Tulare, Kern, Fresno, and Kings counties. We consider you as a person, not as a number, and make our decisions locally.
Saving money on your monthly auto payment means helping teachers expand classroom resources, helping members build savings through dividends, and unlocking dreams for new homeowners. Your loan goes towards empowering our communities with financial tools they need for success.
Get the most out of your auto loan by opening a HomeFREE Checking account to earn rewards points with qualified purchases, or a Save to Win 12-month Share Certificate to build your savings faster. You’ll always stay a member no matter where you go in the United States as long as your accounts remain in good standing.
APR = Annual Percentage Rate.
* All loans subject to credit approval and other underwriting criteria; not every applicant will qualify. APR and terms vary based on credit worthiness, other conditions and specific vehicle qualifications. Rates, terms and conditions are subject to change without notice.
1. Rate and APR are greater for a non-member applying for a vehicle loan through an auto dealership. APR is 2.00% higher for vehicle models 7 years old or older and/or for vehicles with mileage of 100,000 or more.* Payment Example: A $25,000 loan at 5.74% for 60 months would have an estimated payment of $481.00.*
2. Payment Example: A $30,000 loan, at 6.59% for 84 months would have an estimated monthly payment of $446.79.*
3. Payments may be deferred 90 days from the date the loan is funded; interest accrues from the funding date and during the deferral period. Terms, conditions, eligibility and restrictions apply.*
4. May not be combined with other offers; does not apply to special promotional rates.*
5. Terms, conditions, eligibility and restrictions apply. Please see the Level Up Member Benefits Program details.*
6. Terms, conditions, eligibility and restrictions apply. Please see the HomeFREE Discount Program details.*
7. Rate and APR are greater for a non-member applying for recreational vehicle (RV) loans through a RV dealership. APR is 2% higher for recreational vehicle models 7 years old or older and/or for vehicles with mileage of 100,000 or more. Maximum financing of 100% of MSRP or NADA guide, plus tax and license. Maximum term based on loan amount. Additional restrictions may apply. Payment Example: A $30,000 loan at 8.50% APR for 120 months would have a monthly payment of $371.96.*
Auto Buying
From the News+ Blog
SESLOC Preferred Dealer Program Expands to Fresno County
Starting December 5, 2025, SESLOC is welcoming 15 new dealerships to the Preferred Dealer Program in Clovis, Fresno, and Selma.
Auto Buyers Get Enhanced Resource with Expanded Preferred Dealer Program
SESLOC is making the experience even better for members shopping for a new auto across the Central Coast with the Preferred Dealer Program.
What the Made in America Auto Loan Interest Deduction Means for Your Next Car
If you are planning to buy a new car, the “Made in America Auto Loan Interest Deduction” could result in another tax deduction.
Savings are insured to at least $250,000 and backed by the full faith and credit of the U.S. government. National Credit Union Administration, a U.S. government agency.
